About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an Onboarding Team Leader to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the role As an Onboarding Team Leader at Equals Group, you will play a crucial role in managing a team responsible for performing KYC checks and conducting risk assessments on new business and personal customer applications You will oversee day-to-day onboarding activities, ensuring compliance with AML regulations and the firm's risk appetite framework In this leadership position, you will mentor and guide the team, driving productivity and ensuring high standards of accuracy and compliance You will also work closely with Compliance and Risk teams to manage escalations and implement process improvements that enhance operational efficiency and customer experience. About you We believe that certain skills are essential in order to be successful in this role and these are detailed below You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you. Responsibilities Lead, coach, and mentor a team of onboarding analysts to achieve KPIs, SLAs, and productivity targets Conduct regular performance reviews and provide constructive feedback to support team development Ensure consistent application of risk-based onboarding processes, including Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) requirements Oversee day-to-day onboarding activities, including customer verification, risk assessments, and sanctions screening Manage escalations and high-risk cases, ensuring timely and effective resolution Perform quality assurance checks to ensure compliance with regulatory requirements and internal policies Review and approve customer onboarding cases, ensuring decisions align with risk appetite and compliance standards Maintain accurate records and audit trails for all onboarding activities, ensuring transparency and accountability Identify potential risks and recommend mitigation strategies to enhance the effectiveness of the onboarding process Collaborate with Compliance, Risk, and Sales teams to resolve onboarding issues and provide subject matter expertise Drive continuous improvement initiatives to enhance efficiency, reduce onboarding friction, and improve customer experience Support the Head of Onboarding in implementing strategic initiatives and operational enhancements Essential Skills Leadership and team management with a focus on coaching, development, and performance optimization Strong knowledge of AML, KYC, CDD, and EDD requirements, with the ability to interpret and implement regulatory guidelines Excellent problem-solving and decision-making abilities, particularly in high-risk and complex scenarios Analytical skills with the ability to identify trends, risks, and improvement opportunities from onboarding data Effective communication and stakeholder engagement skills, including the ability to manage escalations professionally Experience in quality assurance and maintaining high standards of accuracy and compliance Ability to prioritise and manage multiple tasks efficiently in a fast-paced environment Strong attention to detail with a proactive approach to risk identification and mitigation Preferred Qualifications: Bachelor's degree or equivalent experience in Finance, Business, or Compliance 5+ years of experience in onboarding, CDD, or AML within financial services Experience with onboarding platforms and compliance systems Certification in AML/KYC (eg, ICA, ACAMS) is a plus Benefits A competitive salary benchmarked against a peer group. 25 days holiday per year + your birthday off Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development. Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere GetActive with Aviva - Health and Wellbeing discounts on services and products Interbank currency rates on travel money and international transfers. Bupa Private Healthcare Free Eye Test and £50 up to the cost of glasses EAP Service - Mental Health Services Life Assurance Policy - x3 annual salary Contributory pension scheme Cycle to Work Scheme Season Ticket Loans Enhanced Parental Policies Complimentary tea, coffee, soft drinks and fruit We operate a hybrid working arrangement where possible Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
Jul 04, 2025
Full time
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an Onboarding Team Leader to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the role As an Onboarding Team Leader at Equals Group, you will play a crucial role in managing a team responsible for performing KYC checks and conducting risk assessments on new business and personal customer applications You will oversee day-to-day onboarding activities, ensuring compliance with AML regulations and the firm's risk appetite framework In this leadership position, you will mentor and guide the team, driving productivity and ensuring high standards of accuracy and compliance You will also work closely with Compliance and Risk teams to manage escalations and implement process improvements that enhance operational efficiency and customer experience. About you We believe that certain skills are essential in order to be successful in this role and these are detailed below You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you. Responsibilities Lead, coach, and mentor a team of onboarding analysts to achieve KPIs, SLAs, and productivity targets Conduct regular performance reviews and provide constructive feedback to support team development Ensure consistent application of risk-based onboarding processes, including Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) requirements Oversee day-to-day onboarding activities, including customer verification, risk assessments, and sanctions screening Manage escalations and high-risk cases, ensuring timely and effective resolution Perform quality assurance checks to ensure compliance with regulatory requirements and internal policies Review and approve customer onboarding cases, ensuring decisions align with risk appetite and compliance standards Maintain accurate records and audit trails for all onboarding activities, ensuring transparency and accountability Identify potential risks and recommend mitigation strategies to enhance the effectiveness of the onboarding process Collaborate with Compliance, Risk, and Sales teams to resolve onboarding issues and provide subject matter expertise Drive continuous improvement initiatives to enhance efficiency, reduce onboarding friction, and improve customer experience Support the Head of Onboarding in implementing strategic initiatives and operational enhancements Essential Skills Leadership and team management with a focus on coaching, development, and performance optimization Strong knowledge of AML, KYC, CDD, and EDD requirements, with the ability to interpret and implement regulatory guidelines Excellent problem-solving and decision-making abilities, particularly in high-risk and complex scenarios Analytical skills with the ability to identify trends, risks, and improvement opportunities from onboarding data Effective communication and stakeholder engagement skills, including the ability to manage escalations professionally Experience in quality assurance and maintaining high standards of accuracy and compliance Ability to prioritise and manage multiple tasks efficiently in a fast-paced environment Strong attention to detail with a proactive approach to risk identification and mitigation Preferred Qualifications: Bachelor's degree or equivalent experience in Finance, Business, or Compliance 5+ years of experience in onboarding, CDD, or AML within financial services Experience with onboarding platforms and compliance systems Certification in AML/KYC (eg, ICA, ACAMS) is a plus Benefits A competitive salary benchmarked against a peer group. 25 days holiday per year + your birthday off Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development. Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere GetActive with Aviva - Health and Wellbeing discounts on services and products Interbank currency rates on travel money and international transfers. Bupa Private Healthcare Free Eye Test and £50 up to the cost of glasses EAP Service - Mental Health Services Life Assurance Policy - x3 annual salary Contributory pension scheme Cycle to Work Scheme Season Ticket Loans Enhanced Parental Policies Complimentary tea, coffee, soft drinks and fruit We operate a hybrid working arrangement where possible Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an Onboarding Analyst to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the role As an Onboarding Analyst at Equals Group, you will be an integral part of a dedicated team responsible for conducting KYC checks and performing risk assessments on new business and personal customer applications You will collaborate closely with the Compliance and Risk departments to ensure that new customers are onboarded within the firm's risk appetite framework while adhering to AML regulations and other relevant compliance requirements In this fast-paced environment, you will need to take initiative, think critically, and act quickly to ensure customers are onboarded smoothly while mitigating potential risks. About you We believe that certain skills are essential in order to be successful in this role and these are detailed below You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you. Responsibilities Conduct Customer Due Diligence (CDD) and risk assessments on new business and personal customer applications, ensuring compliance with AML regulations Verify and validate the accuracy of customer information and supporting documentation, including identification, corporate structures, and Ultimate Beneficial Owners (UBOs) Perform sanctions, Politically Exposed Persons (PEP), and adverse media screening to identify potential risks Analyse customer profiles and transactional behavior to identify any inconsistencies or red flags, escalating potential risks to Senior Onboarding Analysts or Team Leaders Conduct detailed checks to ensure that all customer information is accurate, up to date, and meets compliance standards Collaborate with Compliance, Risk, and Relationship Management teams to resolve onboarding issues and obtain additional information when required Maintain accurate and comprehensive records of onboarding activities, including detailed notes and audit trails Ensure adherence to internal policies, AML regulations, and other compliance requirements throughout the onboarding process Continuously monitor and stay up to date with changes in regulatory requirements, ensuring onboarding practices are adjusted accordingly Contribute to the implementation of process improvements to enhance the efficiency and effectiveness of the onboarding function Participate in ongoing training and development to enhance knowledge of onboarding processes and regulatory requirements Essential Skills 2+ years of experience in KYC/CDD, preferably within the fintech or payments industry Strong knowledge of KYC/CDD regulations, AML compliance, and financial crime prevention Strong analytical and problem-solving skills, with the ability to identify and mitigate potential risks effectively Ability to work efficiently in a fast-paced environment, managing multiple priorities while maintaining a high level of accuracy and attention to detail Excellent communication and interpersonal skills, with the ability to collaborate cross-functionally with teams such as Compliance, Risk, and Relationship Management Proficiency in using onboarding and compliance management systems Preferred Qualifications Bachelor's degree or equivalent experience in Finance, Business, Compliance, or related field Professional certifications (eg, ICA, ACAMS) are advantageous but not essential Familiarity with onboarding automation tools and data analytics for risk assessment Benefits A competitive salary benchmarked against a peer group. 25 days holiday per year + your birthday off Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development. Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere GetActive with Aviva - Health and Wellbeing discounts on services and products Interbank currency rates on travel money and international transfers. Bupa Private Healthcare Free Eye Test and £50 up to the cost of glasses EAP Service - Mental Health Services Life Assurance Policy - x3 annual salary Contributory pension scheme Cycle to Work Scheme Season Ticket Loans Enhanced Parental Policies Complimentary tea, coffee, soft drinks and fruit We operate a hybrid working arrangement where possible Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
Jul 04, 2025
Full time
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an Onboarding Analyst to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the role As an Onboarding Analyst at Equals Group, you will be an integral part of a dedicated team responsible for conducting KYC checks and performing risk assessments on new business and personal customer applications You will collaborate closely with the Compliance and Risk departments to ensure that new customers are onboarded within the firm's risk appetite framework while adhering to AML regulations and other relevant compliance requirements In this fast-paced environment, you will need to take initiative, think critically, and act quickly to ensure customers are onboarded smoothly while mitigating potential risks. About you We believe that certain skills are essential in order to be successful in this role and these are detailed below You may not have all the other skills we have outlined as desirable, we understand that and will still welcome your application We will carry out individual interviews for shortlisted candidates and assess who is best suited for the role after we have discussed everything with you. Responsibilities Conduct Customer Due Diligence (CDD) and risk assessments on new business and personal customer applications, ensuring compliance with AML regulations Verify and validate the accuracy of customer information and supporting documentation, including identification, corporate structures, and Ultimate Beneficial Owners (UBOs) Perform sanctions, Politically Exposed Persons (PEP), and adverse media screening to identify potential risks Analyse customer profiles and transactional behavior to identify any inconsistencies or red flags, escalating potential risks to Senior Onboarding Analysts or Team Leaders Conduct detailed checks to ensure that all customer information is accurate, up to date, and meets compliance standards Collaborate with Compliance, Risk, and Relationship Management teams to resolve onboarding issues and obtain additional information when required Maintain accurate and comprehensive records of onboarding activities, including detailed notes and audit trails Ensure adherence to internal policies, AML regulations, and other compliance requirements throughout the onboarding process Continuously monitor and stay up to date with changes in regulatory requirements, ensuring onboarding practices are adjusted accordingly Contribute to the implementation of process improvements to enhance the efficiency and effectiveness of the onboarding function Participate in ongoing training and development to enhance knowledge of onboarding processes and regulatory requirements Essential Skills 2+ years of experience in KYC/CDD, preferably within the fintech or payments industry Strong knowledge of KYC/CDD regulations, AML compliance, and financial crime prevention Strong analytical and problem-solving skills, with the ability to identify and mitigate potential risks effectively Ability to work efficiently in a fast-paced environment, managing multiple priorities while maintaining a high level of accuracy and attention to detail Excellent communication and interpersonal skills, with the ability to collaborate cross-functionally with teams such as Compliance, Risk, and Relationship Management Proficiency in using onboarding and compliance management systems Preferred Qualifications Bachelor's degree or equivalent experience in Finance, Business, Compliance, or related field Professional certifications (eg, ICA, ACAMS) are advantageous but not essential Familiarity with onboarding automation tools and data analytics for risk assessment Benefits A competitive salary benchmarked against a peer group. 25 days holiday per year + your birthday off Opportunities for progression, development and learning new skills - £250 towards the cost of learning & development. Free onsite Nuffield Health gym & pool (London) and discounted gym membership elsewhere GetActive with Aviva - Health and Wellbeing discounts on services and products Interbank currency rates on travel money and international transfers. Bupa Private Healthcare Free Eye Test and £50 up to the cost of glasses EAP Service - Mental Health Services Life Assurance Policy - x3 annual salary Contributory pension scheme Cycle to Work Scheme Season Ticket Loans Enhanced Parental Policies Complimentary tea, coffee, soft drinks and fruit We operate a hybrid working arrangement where possible Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an AI/ML Product Manager to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the Role You will be responsible for ensuring the Equals Group meets all its legal and regulatory requirements, and implementing and maintaining a robust risk and compliance infrastructure. This senior role will oversee regulatory compliance area across various jurisdictions, including the UK, EU and USA, will act as a key point of contact with regulators, and embed a culture of compliance throughout the organization. You will report directly into the Chief Compliance and Risk Officer (CCRO) for the Equals Group and will be responsible for the Regulatory Compliance function to ensure a robust application of regulatory rules and compliance controls, operating under the 2nd line of defence, as part of Global Risk and Compliance function. You will have an extensive experience in the financial services industry, particularly in the payment/e-money services sector. Working with the Group CCRO, you will develop and implement a comprehensive Regulatory Compliance strategy that aligns with the business objectives and regulatory requirements. You will use opportunities for strengthening processes and controls and strive to implement and build systems and procedures that support a strong compliance culture. You will be responsible for ensuring the Regulatory Compliance roadmap and strategy is delivered to a high standard and within relevant timelines with the assistance of the Regulatory Compliance team. You should be able to influence stakeholders to promote the compliance agenda and can motivate and inspire the team members to perform to a high standard. Regulatory change will be a key focus area for you in this role, and as such you will follow new developments and trends in the regulatory landscape impacting payments firms and advising other areas of the business and key stakeholders on the changes. Responsibilities The key responsibilities of the Head of Regulatory Compliance include: Ensure the Equals Group is operating in accordance with all legal and regulatory requirements. Lead a team of Regulatory Compliance subject matter experts and support the ongoing development of Compliance staff. Execute the delivery of the Regulatory Compliance strategy and roadmap. Support the Group CCRO and MLROs in the delivery of their prescribed responsibilities and deputise the CCRO as assigned. Identify regulatory issues, challenges and recommend remedies to promote compliance. Review and preparing responses to regulatory authority requests and notices. Provide independent 2nd line 'review and challenge' to Equals Group's business units, adopting the 'advise, train and monitor' 2nd line model. Provide high quality Regulatory Compliance advice and guidance to the business on all regulatory matters. Establish and develop regulatory engagement in relevant markets where Equals Group has or is seeking to establish a presence. Work closely with the other colleagues in the Global Risk and Compliance function and with the senior management and all stakeholders. Coordinate Equals Group's initial responses to regulatory change matters, consultation papers, and advise on the changes to processes where relevant. Develop regulatory training materials and plan in relation to policies owned by Regulatory Compliance. Keep up to date with legal and regulatory changes and prepare implementation plans as needed. Identify and mitigate the risks of non-compliance with regulatory requirements and implement adequate tools and controls to reduce Equals Group's exposure to any regulatory risks. Oversee the identification and resolution of regulatory incidents as well as report relevant incidents to regulatory authorities as applicable. Attend and provide reports to relevant Risk Committees as required ensuring the highest reporting standards are maintained. Promote the adoption of a culture that prioritises good customer and regulatory outcomes across the organization. Manage and develop relationships with external advisors. Embody equals group's values of: Be the customer Succeed together Go beyond Make it happen Essential Skills Minimum 10 years of professional experience in Compliance and/or Legal function with at least 5 years in an Head / Lead-level role in the financial services industry. University degree (at least Bachelor's level) in Law, or a professional Compliance qualification, such as CISI or ICA RC certifications etc. Extensive practical knowledge of the UK and EU legal-regulatory framework(s) as well as of other relevant jurisdictions. In-depth understanding of the Payment Services Regulations (PSRs), Electronic Money Regulations (EMRs), PSD2, GDPR and MiFID2 regulatory frameworks. Proven experience in heading/leading Regulatory Compliance and/or Legal function within the financial services or payments industry with a focus on multi-jurisdictional compliance. Exceptional leadership, communication and stakeholder management skills. Strong understanding of Compliance Risk Management and Corporate Governance frameworks applicable to the UK and EU regulated entities. Proven track record of dealing with and maintaining relationship with regulatory authorities. Extensive experience of drafting, implementing and maintaining Regulatory Compliance policies and procedures. Strong analytical and problem-solving skills, with an ability to promote the Regulatory Compliance agenda and foster a robust risk compliance culture across the business. Meticulous attention to detail and organisational capabilities. Experience working in a fast-paced environment with a focus on execution. Benefits 25 Days Annual Leave Your Birthday Off 14 Weeks fully paid Maternity Leave 2 Weeks fully paid Parental Leave Private medical insurance via Bupa UK Free EAP service - mental health services via Aviva Life assurance policy Eye care - we cover the cost of the eye test, and you can claim up to £50 towards glasses £250 towards learning & development Interbank currency rates on travel money Workplace pension contributions Cycle to work scheme Onsite gym / corporate membership Free hot drinks, soft drinks, fruit and snacks in the office. Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. For this senior role a minimum of 2-3 days in the office (London or Chester) will be required, with remote working offered for the remaining working days. Further details of the working arrangements shall be agreed with the Group CCRO. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
Feb 09, 2025
Full time
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an AI/ML Product Manager to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the Role You will be responsible for ensuring the Equals Group meets all its legal and regulatory requirements, and implementing and maintaining a robust risk and compliance infrastructure. This senior role will oversee regulatory compliance area across various jurisdictions, including the UK, EU and USA, will act as a key point of contact with regulators, and embed a culture of compliance throughout the organization. You will report directly into the Chief Compliance and Risk Officer (CCRO) for the Equals Group and will be responsible for the Regulatory Compliance function to ensure a robust application of regulatory rules and compliance controls, operating under the 2nd line of defence, as part of Global Risk and Compliance function. You will have an extensive experience in the financial services industry, particularly in the payment/e-money services sector. Working with the Group CCRO, you will develop and implement a comprehensive Regulatory Compliance strategy that aligns with the business objectives and regulatory requirements. You will use opportunities for strengthening processes and controls and strive to implement and build systems and procedures that support a strong compliance culture. You will be responsible for ensuring the Regulatory Compliance roadmap and strategy is delivered to a high standard and within relevant timelines with the assistance of the Regulatory Compliance team. You should be able to influence stakeholders to promote the compliance agenda and can motivate and inspire the team members to perform to a high standard. Regulatory change will be a key focus area for you in this role, and as such you will follow new developments and trends in the regulatory landscape impacting payments firms and advising other areas of the business and key stakeholders on the changes. Responsibilities The key responsibilities of the Head of Regulatory Compliance include: Ensure the Equals Group is operating in accordance with all legal and regulatory requirements. Lead a team of Regulatory Compliance subject matter experts and support the ongoing development of Compliance staff. Execute the delivery of the Regulatory Compliance strategy and roadmap. Support the Group CCRO and MLROs in the delivery of their prescribed responsibilities and deputise the CCRO as assigned. Identify regulatory issues, challenges and recommend remedies to promote compliance. Review and preparing responses to regulatory authority requests and notices. Provide independent 2nd line 'review and challenge' to Equals Group's business units, adopting the 'advise, train and monitor' 2nd line model. Provide high quality Regulatory Compliance advice and guidance to the business on all regulatory matters. Establish and develop regulatory engagement in relevant markets where Equals Group has or is seeking to establish a presence. Work closely with the other colleagues in the Global Risk and Compliance function and with the senior management and all stakeholders. Coordinate Equals Group's initial responses to regulatory change matters, consultation papers, and advise on the changes to processes where relevant. Develop regulatory training materials and plan in relation to policies owned by Regulatory Compliance. Keep up to date with legal and regulatory changes and prepare implementation plans as needed. Identify and mitigate the risks of non-compliance with regulatory requirements and implement adequate tools and controls to reduce Equals Group's exposure to any regulatory risks. Oversee the identification and resolution of regulatory incidents as well as report relevant incidents to regulatory authorities as applicable. Attend and provide reports to relevant Risk Committees as required ensuring the highest reporting standards are maintained. Promote the adoption of a culture that prioritises good customer and regulatory outcomes across the organization. Manage and develop relationships with external advisors. Embody equals group's values of: Be the customer Succeed together Go beyond Make it happen Essential Skills Minimum 10 years of professional experience in Compliance and/or Legal function with at least 5 years in an Head / Lead-level role in the financial services industry. University degree (at least Bachelor's level) in Law, or a professional Compliance qualification, such as CISI or ICA RC certifications etc. Extensive practical knowledge of the UK and EU legal-regulatory framework(s) as well as of other relevant jurisdictions. In-depth understanding of the Payment Services Regulations (PSRs), Electronic Money Regulations (EMRs), PSD2, GDPR and MiFID2 regulatory frameworks. Proven experience in heading/leading Regulatory Compliance and/or Legal function within the financial services or payments industry with a focus on multi-jurisdictional compliance. Exceptional leadership, communication and stakeholder management skills. Strong understanding of Compliance Risk Management and Corporate Governance frameworks applicable to the UK and EU regulated entities. Proven track record of dealing with and maintaining relationship with regulatory authorities. Extensive experience of drafting, implementing and maintaining Regulatory Compliance policies and procedures. Strong analytical and problem-solving skills, with an ability to promote the Regulatory Compliance agenda and foster a robust risk compliance culture across the business. Meticulous attention to detail and organisational capabilities. Experience working in a fast-paced environment with a focus on execution. Benefits 25 Days Annual Leave Your Birthday Off 14 Weeks fully paid Maternity Leave 2 Weeks fully paid Parental Leave Private medical insurance via Bupa UK Free EAP service - mental health services via Aviva Life assurance policy Eye care - we cover the cost of the eye test, and you can claim up to £50 towards glasses £250 towards learning & development Interbank currency rates on travel money Workplace pension contributions Cycle to work scheme Onsite gym / corporate membership Free hot drinks, soft drinks, fruit and snacks in the office. Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. For this senior role a minimum of 2-3 days in the office (London or Chester) will be required, with remote working offered for the remaining working days. Further details of the working arrangements shall be agreed with the Group CCRO. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an AI/ML Product Manager to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the Role You will be responsible for ensuring the Equals Group meets all its legal and regulatory requirements, and implementing and maintaining a robust risk and compliance infrastructure. This senior role will oversee regulatory compliance area across various jurisdictions, including the UK, EU and USA, will act as a key point of contact with regulators, and embed a culture of compliance throughout the organization. You will report directly into the Chief Compliance and Risk Officer (CCRO) for the Equals Group and will be responsible for the Regulatory Compliance function to ensure a robust application of regulatory rules and compliance controls, operating under the 2nd line of defence, as part of Global Risk and Compliance function. You will have an extensive experience in the financial services industry, particularly in the payment/e-money services sector. Working with the Group CCRO, you will develop and implement a comprehensive Regulatory Compliance strategy that aligns with the business objectives and regulatory requirements. You will use opportunities for strengthening processes and controls and strive to implement and build systems and procedures that support a strong compliance culture. You will be responsible for ensuring the Regulatory Compliance roadmap and strategy is delivered to a high standard and within relevant timelines with the assistance of the Regulatory Compliance team. You should be able to influence stakeholders to promote the compliance agenda and can motivate and inspire the team members to perform to a high standard. Regulatory change will be a key focus area for you in this role, and as such you will follow new developments and trends in the regulatory landscape impacting payments firms and advising other areas of the business and key stakeholders on the changes. Responsibilities The key responsibilities of the Head of Regulatory Compliance include: Ensure the Equals Group is operating in accordance with all legal and regulatory requirements. Lead a team of Regulatory Compliance subject matter experts and support the ongoing development of Compliance staff. Execute the delivery of the Regulatory Compliance strategy and roadmap. Support the Group CCRO and MLROs in the delivery of their prescribed responsibilities and deputise the CCRO as assigned. Identify regulatory issues, challenges and recommend remedies to promote compliance. Review and preparing responses to regulatory authority requests and notices. Provide independent 2nd line 'review and challenge' to Equals Group's business units, adopting the 'advise, train and monitor' 2nd line model. Provide high quality Regulatory Compliance advice and guidance to the business on all regulatory matters. Establish and develop regulatory engagement in relevant markets where Equals Group has or is seeking to establish a presence. Work closely with the other colleagues in the Global Risk and Compliance function and with the senior management and all stakeholders. Coordinate Equals Group's initial responses to regulatory change matters, consultation papers, and advise on the changes to processes where relevant. Develop regulatory training materials and plan in relation to policies owned by Regulatory Compliance. Keep up to date with legal and regulatory changes and prepare implementation plans as needed. Identify and mitigate the risks of non-compliance with regulatory requirements and implement adequate tools and controls to reduce Equals Group's exposure to any regulatory risks. Oversee the identification and resolution of regulatory incidents as well as report relevant incidents to regulatory authorities as applicable. Attend and provide reports to relevant Risk Committees as required ensuring the highest reporting standards are maintained. Promote the adoption of a culture that prioritises good customer and regulatory outcomes across the organization. Manage and develop relationships with external advisors. Embody equals group's values of: Be the customer Succeed together Go beyond Make it happen Essential Skills Minimum 10 years of professional experience in Compliance and/or Legal function with at least 5 years in an Head / Lead-level role in the financial services industry. University degree (at least Bachelor's level) in Law, or a professional Compliance qualification, such as CISI or ICA RC certifications etc. Extensive practical knowledge of the UK and EU legal-regulatory framework(s) as well as of other relevant jurisdictions. In-depth understanding of the Payment Services Regulations (PSRs), Electronic Money Regulations (EMRs), PSD2, GDPR and MiFID2 regulatory frameworks. Proven experience in heading/leading Regulatory Compliance and/or Legal function within the financial services or payments industry with a focus on multi-jurisdictional compliance. Exceptional leadership, communication and stakeholder management skills. Strong understanding of Compliance Risk Management and Corporate Governance frameworks applicable to the UK and EU regulated entities. Proven track record of dealing with and maintaining relationship with regulatory authorities. Extensive experience of drafting, implementing and maintaining Regulatory Compliance policies and procedures. Strong analytical and problem-solving skills, with an ability to promote the Regulatory Compliance agenda and foster a robust risk compliance culture across the business. Meticulous attention to detail and organisational capabilities. Experience working in a fast-paced environment with a focus on execution. Benefits 25 Days Annual Leave Your Birthday Off 14 Weeks fully paid Maternity Leave 2 Weeks fully paid Parental Leave Private medical insurance via Bupa UK Free EAP service - mental health services via Aviva Life assurance policy Eye care - we cover the cost of the eye test, and you can claim up to £50 towards glasses £250 towards learning & development Interbank currency rates on travel money Workplace pension contributions Cycle to work scheme Onsite gym / corporate membership Free hot drinks, soft drinks, fruit and snacks in the office. Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. For this senior role a minimum of 2-3 days in the office (London or Chester) will be required, with remote working offered for the remaining working days. Further details of the working arrangements shall be agreed with the Group CCRO. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.
Feb 09, 2025
Full time
About us Over the last 18 years, we have helped over a million satisfied customers move and manage their money. Our award-winning product portfolio allows our customers to make low-cost multi-currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, we are focused on a single goal of making it easy for our customers to manage and move their money. As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We're doing this by hiring exceptional people and are now looking for an AI/ML Product Manager to join our team. Within our offices in London, Chester, Los Angeles and Europe, Equals comprises of three business lines and brands - Equals Money, FairFX and CardOneMoney. You will join a very close-knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers' needs. United, by one thing, making money management straightforward and cost-effective for our customers. About the Role You will be responsible for ensuring the Equals Group meets all its legal and regulatory requirements, and implementing and maintaining a robust risk and compliance infrastructure. This senior role will oversee regulatory compliance area across various jurisdictions, including the UK, EU and USA, will act as a key point of contact with regulators, and embed a culture of compliance throughout the organization. You will report directly into the Chief Compliance and Risk Officer (CCRO) for the Equals Group and will be responsible for the Regulatory Compliance function to ensure a robust application of regulatory rules and compliance controls, operating under the 2nd line of defence, as part of Global Risk and Compliance function. You will have an extensive experience in the financial services industry, particularly in the payment/e-money services sector. Working with the Group CCRO, you will develop and implement a comprehensive Regulatory Compliance strategy that aligns with the business objectives and regulatory requirements. You will use opportunities for strengthening processes and controls and strive to implement and build systems and procedures that support a strong compliance culture. You will be responsible for ensuring the Regulatory Compliance roadmap and strategy is delivered to a high standard and within relevant timelines with the assistance of the Regulatory Compliance team. You should be able to influence stakeholders to promote the compliance agenda and can motivate and inspire the team members to perform to a high standard. Regulatory change will be a key focus area for you in this role, and as such you will follow new developments and trends in the regulatory landscape impacting payments firms and advising other areas of the business and key stakeholders on the changes. Responsibilities The key responsibilities of the Head of Regulatory Compliance include: Ensure the Equals Group is operating in accordance with all legal and regulatory requirements. Lead a team of Regulatory Compliance subject matter experts and support the ongoing development of Compliance staff. Execute the delivery of the Regulatory Compliance strategy and roadmap. Support the Group CCRO and MLROs in the delivery of their prescribed responsibilities and deputise the CCRO as assigned. Identify regulatory issues, challenges and recommend remedies to promote compliance. Review and preparing responses to regulatory authority requests and notices. Provide independent 2nd line 'review and challenge' to Equals Group's business units, adopting the 'advise, train and monitor' 2nd line model. Provide high quality Regulatory Compliance advice and guidance to the business on all regulatory matters. Establish and develop regulatory engagement in relevant markets where Equals Group has or is seeking to establish a presence. Work closely with the other colleagues in the Global Risk and Compliance function and with the senior management and all stakeholders. Coordinate Equals Group's initial responses to regulatory change matters, consultation papers, and advise on the changes to processes where relevant. Develop regulatory training materials and plan in relation to policies owned by Regulatory Compliance. Keep up to date with legal and regulatory changes and prepare implementation plans as needed. Identify and mitigate the risks of non-compliance with regulatory requirements and implement adequate tools and controls to reduce Equals Group's exposure to any regulatory risks. Oversee the identification and resolution of regulatory incidents as well as report relevant incidents to regulatory authorities as applicable. Attend and provide reports to relevant Risk Committees as required ensuring the highest reporting standards are maintained. Promote the adoption of a culture that prioritises good customer and regulatory outcomes across the organization. Manage and develop relationships with external advisors. Embody equals group's values of: Be the customer Succeed together Go beyond Make it happen Essential Skills Minimum 10 years of professional experience in Compliance and/or Legal function with at least 5 years in an Head / Lead-level role in the financial services industry. University degree (at least Bachelor's level) in Law, or a professional Compliance qualification, such as CISI or ICA RC certifications etc. Extensive practical knowledge of the UK and EU legal-regulatory framework(s) as well as of other relevant jurisdictions. In-depth understanding of the Payment Services Regulations (PSRs), Electronic Money Regulations (EMRs), PSD2, GDPR and MiFID2 regulatory frameworks. Proven experience in heading/leading Regulatory Compliance and/or Legal function within the financial services or payments industry with a focus on multi-jurisdictional compliance. Exceptional leadership, communication and stakeholder management skills. Strong understanding of Compliance Risk Management and Corporate Governance frameworks applicable to the UK and EU regulated entities. Proven track record of dealing with and maintaining relationship with regulatory authorities. Extensive experience of drafting, implementing and maintaining Regulatory Compliance policies and procedures. Strong analytical and problem-solving skills, with an ability to promote the Regulatory Compliance agenda and foster a robust risk compliance culture across the business. Meticulous attention to detail and organisational capabilities. Experience working in a fast-paced environment with a focus on execution. Benefits 25 Days Annual Leave Your Birthday Off 14 Weeks fully paid Maternity Leave 2 Weeks fully paid Parental Leave Private medical insurance via Bupa UK Free EAP service - mental health services via Aviva Life assurance policy Eye care - we cover the cost of the eye test, and you can claim up to £50 towards glasses £250 towards learning & development Interbank currency rates on travel money Workplace pension contributions Cycle to work scheme Onsite gym / corporate membership Free hot drinks, soft drinks, fruit and snacks in the office. Working Arrangements Where possible, we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding. For this senior role a minimum of 2-3 days in the office (London or Chester) will be required, with remote working offered for the remaining working days. Further details of the working arrangements shall be agreed with the Group CCRO. Equals Group strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you'll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.